Your cover in detail

The table below outlines what's included with each level of cover.

Third Party only
Third Party, Fire and Theft
Protected No Claim Discount - we'll protect your No Claim Discount against two claims in a three year period. This is included as standard if you've got four or more years' No Claim Discount entitlement, even if you've had a fault claim in the last three years

Accidental damage to insured car

Loss or damage to insured car by fire or theft

Legal costs arising from a Third Party claim

Legal liability to Third Parties, including up to £20 million of property damage

Uninsured driver cover - if an uninsured driver hits your car, through no fault of yours, as long as you supply their vehicle registration and the accident details we'll refund any excess paid and your No Claim Discount won't be reduced

Vandalism cover - your No Claim Discount will not be affected by a claim for damage caused by vandals

Unlimited audio / visual cover - cover against  fire and theft for permanently fitted equipment such as CD players, factory fitted sat nav systems and reverse parking cameras. Our Comprehensive policy also includes unlimited accidental damage cover for the audio/visual equipment permanently fitted in your car


Replacement car while yours is being repaired by one of our approved repairers following an incident in the UK

Personal belongings for effects and clothing kept in or on your vehicle

Up to £1,000 or up to £2,000 in December

Personal accident benefits for policyholder and spouse/domestic partner

Up to £5,000

Medical expenses (per person)

Up to £300

Emergency accommodation / Get you home cover

Up to £500

Cover for any person with a full driving licence to drive your car in a medical emergency

Windscreen, window and sunroof glass repairs - no excess to pay and your No Claim Discount will not be affected if you use one of our approved repairers



Up to two years 'new for old' cover if you've owned the car from new. Cover in the first year has no mileage restrictions, whereas cover in the second year has a 12,000 miles restriction (this includes any miles done in the first year)



Cover in the European Union for the policyholder to take trips abroad for an unlimited period at no extra cost

Optional cover available
Legal Protection




Increased Personal Accident


Replacement car extension for theft/total loss


Accident Healthcare




Saga Breakdown Assistance




For the full policy features and benefits please see our Policy books